Insurance policy cost comparison system that adds a policy’s premiums and subtracts dividends and cash value. TNC is not allowed by the National Association of Insurance Commissioners (NAIC) Model Life Insurance Solicitation Regulation because it does not consider the time value of money.

Operations management philosophy to continually improve performance, quality, and cost effectiveness by putting into operation employee involvement programs, self-directed work teams, flexible service delivery processes, quick changeover and adaptability, customer focus, supplier integration, and production cycle time reduction. Some health care organizations adopt TQM programs to meet competition. Also called continuous quality improvement (CQI) .

Sum of the three components (physician work, physician expense, malpractice costs), used in the formula to develop relative value units under the resource-based relative value scale for each medical service performed. These three relative value units (RVUs) are then adjusted according to geographical area and used in a formula to determine the resource-based relative value scale (RBRVS) for the Medicare fees published annually in the Federal Register .

Total permanent disability incurred by a service member while on active duty.